Guaranty bank is currently being taken over by another bank and has suspended new accounts for a bit of time. I love BankDirect. It is a brainless way to get alot of AA miles every month without having to keep moving money around or using credit cards for coins, ect (which I still do of course). Since I am a seasonal business, I put all our excess cash for opening next season into the account. Checking pays squat in interest, but I figure my current 14K miles a month makes up for it. I just opened 2 accounts at UFB Bank for 19K in AA bonuses, but it will take a year and deals with Direct deposits ($5 from ing) and bill pay, a hassle, but only 3K in deposits.
I will get to that Million AA miles someway, someday!
JudyJFLA